Are all West Bridgford Conveyancing Quality Solicitors on the HSBC conveyancing list of approved solicitors?
It is true that some lenders now make use of CQS as the kick off point for Panel membership such as HSBC and Santander. CQS accreditation however is no guarantee to lender panel acceptance. That being said,the Council of Mortgage Lenders have indicated that it is likely to become a pre-requisite for solicitor practices wishing to remain on their panels.
I have today made my last payment due on my mortgage with Yorkshire BS. I assume I don't need a West Bridgford lawyer on the Yorkshire BS panel to discharge the mortgage at the Land Registry. Am I right?
If you have finished paying off your Yorkshire BS mortgage, they may send you evidence showing that you have paid it off. Alternatively they may notify the Land Registry directly. The Land Registry need to see this evidence before they will remove the Yorkshire BS mortgage from the register. Yorkshire BS, and any evidence they send you, will determine the action you need to take. In cases where no conveyancer is acting for you and you have paid off your mortgage:
- but are not moving to another property
- where Yorkshire BS has sent the Land Registry the discharge electronically, and
- Yorkshire BS has instructed the Land Registry to do so
After what seems like an age I have had an offer on an apartment in West Bridgford accepted, but there is a chain. The vendors have placed an offer on somewhere, however it’s not been accepted yet, and have viewings of other flats booked. I have chosen a bricks and mortar conveyancing solicitor in West Bridgford. What do I do now? When do I get the mortgage application with Clydesdale started?
It is usual to have anxieties where there is a chain as you are unlikely to want to incur expenses prematurely (mortgage application is in the region of one thousand pounds, then survey, West Bridgford conveyancing search fees, etc). First, you should check that your lawyer is on the Clydesdale conveyancing panel. Regarding the next phase this very much dictated by the circumstances of your transaction, motivation for the property and on the state of the market. During a hot market the majority of buyers will apply for the mortgage with Clydesdale and pay for the valuation and only if it comes back ok would they pay their conveyancing practitioner to proceed with searches.
I know that there are debates on Chancel Insurance on online forums. Am I compelled to take this when buying a property in West Bridgford? or I am told that there is an ancient law that means some house owners residing in a parish church boundary will be compelled to contribute towards maintenance towards the chancel in proximity to the church. Is this appropriate for conveyancing in West Bridgford?
Unless a prior acquisition of the house completed after 12 October 2013 you may take it that lawyers delivering conveyancing in West Bridgford to remain recommending a chancel search and or insurance against a claim.
Despite weeks of looking the Title Certificate and documents to our property can not be found. The lawyers who did the conveyancing in West Bridgford 5 years ago are no longer around. What do I do?
As long as you have a registered title the information relating to your ownership will be recorded by the Land Registry with a Title Number. It is easy to carry out a search at the Land Registry, identify your property and order up to date copies of the property title for less than a fiver. If the title is Leasehold then the Land Registry will in most cases hold a file copy of the Registered Lease and again, a copy can be ordered for a small fee.
Due to the input of my in-laws I had a survey completed on a property in West Bridgford in advance of appointing lawyers. I have been advised that there is a flying freehold element to the property. The surveyor has said that some mortgage companies will not give a mortgage on this type of home.
It varies from the lender to lender. HSBC has different instructions from Halifax. If you e-mail us we can investigate further with the appropriate lender. If you lender is happy to lend one our lawyers can assist as they are used to dealing with flying freeholds in West Bridgford. Conveyancing will be smoother if you use a solicitor in West Bridgford especially if they regularly deal with such properties in West Bridgford.
I need to instruct a conveyancing solicitor in West Bridgford for my house move. Is there any facility to see a solicitor's record with the profession’s regulator?
Anyone may find published Solicitor Regulator Association (SRA) decisions arising from inquisitions from 2008 onwards. Go to Check a solicitor's record. For information Pre 2008, or to check a solicitors history, ring 0870 606 2555, 08.00 - 18.00 Monday, Wednesday, Thursday, Friday and 09.30 - 18.00 Tuesday. For non-uk callers, use +44 (0)121 329 6800. The regulator could monitor call for training reasons.